# Indemnity

URL: https://insurancelawestonia.ee/tags/indemnity/
Author: Dr Olavi-Jüri Luik, Partner, Head of Insurance Law, attorney at law (Advokaadibüroo WIDEN OÜ)

> A selection of pages on this site that deal with Indemnity (31 pages): Estonian insurance law articles, guides and explanations.

A selection of pages on this site that deal with "Indemnity".

- [Blog: Estonian insurance law insights](https://insurancelawestonia.ee/blog): Blog by Estonian attorney Dr Olavi-Jüri Luik: insurance law developments, Supreme Court practice and analysis for insurers, MGAs and brokers.
- [CAR/EAR and construction insurance claims in Estonia](https://insurancelawestonia.ee/guides/car-ear-construction-claims): Contractors' and erection all risks claims in Estonia: insured parties, defects and LEG clauses, contractor liability, time limits, recovery and disputes.
- [Codification of Insurance Contract Law in Europe and Estonia](https://insurancelawestonia.ee/history-of-insurance/codification-of-insurance-contract-law): German and Swiss VVG 1908, Nordic acts, French law, Marine Insurance Act 1906, VVG reform 2008, Insurance Act 2015.
- [Crime insurance schemes: employee fraud and invoice fraud](https://insurancelawestonia.ee/specialty-lines/handbook/cases/crime-schemes): Insurers' published crime claims examples and fraud schemes common in Estonia: fictitious vendors, embezzlement, invoice fraud and CEO fraud.
- [Cross-border payments, crypto-assets and jurisdiction](https://insurancelawestonia.ee/specialty-lines/handbook/cross-border-payments-crypto-jurisdiction): Cross-border fraud payments, crypto-assets and sanctions, multi-jurisdiction disputes and international programmes for Estonian insureds.
- [Estonian FSA guidelines for insurers and insurance brokers](https://insurancelawestonia.ee/legal-framework/fsa-guidelines): Finantsinspektsioon advisory guidelines and letters on insurance distribution, complaints, claims handling, IT, AML and governance, with links and dates.
- [Estonian Supreme Court: insurable value and indemnity](https://insurancelawestonia.ee/supreme-court/indemnity-insurable-value-and-calculation): Estonian Supreme Court (Riigikohus) case law on insurable value, under- and overinsurance and calculating the indemnity, in English.
- [Estonian Supreme Court: notification, proof and due date](https://insurancelawestonia.ee/supreme-court/insured-event-notification-and-proof): Estonian Supreme Court (Riigikohus) case law on the insured event, notification, proof and when the indemnity falls due, in English.
- [Estonian Supreme Court: procedure in insurance disputes](https://insurancelawestonia.ee/supreme-court/procedural-issues): Estonian Supreme Court (Riigikohus) insurance case law: procedural issues in insurance disputes. Summaries in English with links.
- [Estonian Supreme Court: safety obligations and proportionality](https://insurancelawestonia.ee/supreme-court/safety-requirements-and-proportionality): Estonian Supreme Court (Riigikohus) on safety requirements, duties of care and proportionality: English summaries with links.
- [Estonian insurance contract law: overview for foreign insurers](https://insurancelawestonia.ee/estonian-insurance-contract-law): The insurance chapter of the Estonian Law of Obligations Act explained: disclosure, premium, risk aggravation, obligations, notification, subrogation.
- [Glossary of Estonian insurance law terms (English–Estonian)](https://insurancelawestonia.ee/glossary): Over 100 Estonian insurance law terms with English equivalents and explanations: policyholder, withdrawal, cancellation, subrogation, insured event.
- [Insurable interest, insurable value and sums insured in Estonia](https://insurancelawestonia.ee/estonian-insurance-contract-law/insurable-interest-and-sums-insured): Indemnity principle, insurable interest, insurable value, agreed value and reinstatement cost under VÕS §§ 476–480, with Supreme Court case law.
- [Insurance law principles and theories](https://insurancelawestonia.ee/estonian-insurance-contract-law/principles-and-theories): Eight principles of insurance law and 47 theories from foreign law and economics: country of origin, content, limits and relation to Estonian law.
- [Integrated insurance programmes: limits, layers and overlaps](https://insurancelawestonia.ee/specialty-lines/handbook/integrated-programmes): An integrated programme: primary and excess layers, per-claim and aggregate limits, sub-limits, overlaps and the wrong clause in the wrong place.
- [International case law: business interruption and pandemic](https://insurancelawestonia.ee/international-insurance-case-law/business-interruption-and-pandemic): 6 decisions of foreign courts on business interruption and pandemic: summaries, paragraphs and links.
- [International case law: construction and property insurance](https://insurancelawestonia.ee/international-insurance-case-law/construction-and-property): 12 decisions of foreign courts on construction and property insurance: summaries, paragraphs and links.
- [International case law: liability insurance and defence costs](https://insurancelawestonia.ee/international-insurance-case-law/liability-insurance-and-defence-costs): 17 decisions of foreign courts on liability insurance and defence costs: summaries, paragraphs and links.
- [International case law: personal insurance and insurable interest](https://insurancelawestonia.ee/international-insurance-case-law/personal-insurance-and-insurable-interest): 10 decisions of foreign courts on personal insurance and insurable interest: summaries, paragraphs and links.
- [Liability insurance and direct action in Estonia (VÕS §§ 510–525)](https://insurancelawestonia.ee/estonian-insurance-contract-law/liability-insurance-and-direct-action): Estonian liability insurance rules: insured event, defence costs outside limits, notice within one week, consent to settle, injured party's rights.
- [Limitation periods for insurance claims in Estonia](https://insurancelawestonia.ee/guides/limitation-periods-insurance-claims-estonia): Insurance claim limitation in Estonia: VÕS § 475 three-year period, suspension on notice, ten-year cap, one-year period to sue.
- [Major fire and property losses in Estonia: counsel for insurers](https://insurancelawestonia.ee/services-for-insurers/major-fire-and-property-losses): Major fire losses under Estonian law for insurers: cause and origin, safety obligations, under-insurance, business interruption, settlement, recovery.
- [Notification and post-loss duties under Estonian insurance law](https://insurancelawestonia.ee/estonian-insurance-contract-law/notification-and-post-loss-duties): Notice of loss, cooperation, information requests, mitigation, expert determination and the due date of the indemnity under VÕS §§ 448–451 and 488–491.
- [Presenting a cyber, crime or D&O claim: documents and evidence](https://insurancelawestonia.ee/specialty-lines/handbook/claim-documentation-and-evidence): Evidence-based cyber, crime and D&O claims under Estonian law: documents, loss calculation, experts, advance payment and typical mistakes.
- [Professional indemnity for Estonian lawyers and notaries](https://insurancelawestonia.ee/blog/2026-11-02-professional-indemnity-legal-professions): Compulsory PI for Estonian advocates, notaries, trustees and bailiffs: trigger, intentional loss, minimum limits and the 2025 Supreme Court ruling.
- [Professional indemnity insurance and claims in Estonia](https://insurancelawestonia.ee/guides/professional-indemnity-estonia): PI insurance in Estonia: compulsory cover for advocates and other professions, liability standards, claims-made triggers, defence costs, direct claims.
- [Research article: PI insurance for the legal professions](https://insurancelawestonia.ee/blog/2022-07-01-research-legal-professional-indemnity): Luik and Haavasalu, Juridica 2022/7: compulsory liability insurance for Estonian advocates, notaries, trustees in bankruptcy and bailiffs.
- [Research article: the modern model of indemnity insurance (2020)](https://insurancelawestonia.ee/blog/2020-07-01-research-modern-indemnity-insurance-model): Kratenko and Luik, Perm University Herald 2020: the modern indemnity insurance model and prospects for transposing it in comparative law.
- [Subrogation under Estonian insurance law (VÕS § 492)](https://insurancelawestonia.ee/estonian-insurance-contract-law/subrogation): Statutory transfer of the insured's claim to the insurer under VÕS § 492: scope, waivers, family privilege, limitation.
- [Supreme Court of Estonia: insurance law case law 2001-2026](https://insurancelawestonia.ee/supreme-court): Map of Estonian Supreme Court (Riigikohus) insurance decisions 2001-2026 by topic, with English summaries and links to the judgments.
- [Surety and credit insurance in Estonia: a guide for insurers](https://insurancelawestonia.ee/guides/surety-and-credit-insurance-estonia): Surety bonds and trade credit insurance under Estonian law: licensing, VÕS § 427(2)5 freedom of contract, guarantee vs suretyship, beneficiary claims.